Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 2596–2610 of 2,904 nationwide · median 5.00% APR
- 6.24%APRas low as
Terms
FICO 720+; Up to 120% LTV
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Miami University Community Federal Credit UnionNew and Used Auto Loans · up to 60 months
Credit union
6.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 - 2026 New or Nearly New vehicles. Rates reflect highest credit rating and include a 0.35% discount for Payroll Deduction and Automatic Loan Payments.
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 16.49%
6.24% APR, up to 16.49%
Terms
Term up to 76 months. Monthly payment is $15.96 - $21.15 per $1,000 borrowed.
Auto loan score 65 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Actual rate may vary based upon an individual's credit rating. New vehicle purchase financed up to 125% of dealer invoice, used vehicle up to 125% NADA Trade Value. Up to 72 months on some autos.
Auto loan score 65 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Rates as low as 6.24% APR. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Terms available up to 72 months.
Auto loan score 65 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 8.99%
6.24% APR, up to 8.99%
Terms
Model year 2026/2022; Credit tiers 720 & Higher (6.24%) to 660-699 (8.99%)
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Rates as low as 6.24% APR based on individual credit history and credit qualifications.
Auto loan score 65 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 18.00%
6.24% APR, up to 18.00%
Terms
Rates based on creditworthiness. Minimum loan amount is $5,000. For LTV > 100% up to 110%, add 0.50 percentage points.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as stated. Rates reflect a 0.25% discount for auto-debit payments from a Campus Federal or other financial institution account. Subject to membership and credit approval.
Auto loan score 63 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Estimated cost per $1,000 is $17.94.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Based on a 0.25% protection package discount requiring subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or opening a new Neighbors checking account.
Auto loan score 63 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised rate includes 0.25% rate reduction for automatic payment from a Park Community CU account. Final rate determined by credit score, vehicle age, vehicle value and loan term.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Requires 20% down payment. Term is 49-72 months. Payment example: $20,000 loan at 5.24% for 72 months - $324.31/month.
Auto loan score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 16.49%with conditions
6.24% APR, up to 16.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes automatic payment and electronic document discount.
Auto loan score 63 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 17.99%
6.25% APR, up to 17.99%
Terms
New & Used - 100% Financing. 7-year term available for loans exceeding $30,000.00 on new autos only. Actual rates are based on credit rating, loan term, and the model year of vehicle financed.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost nationwide
2,904 banks and credit unions · checked Oct 22–28
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.62%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Hanscom Federal Credit UnionCredit union
- Popular DirectBank